Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare readOnlyHint=false and openWorldHint=true, so the description's job is to add context — it does by noting the catalog lookup nature, ambiguity handling, and that locality centers are not a customer address (a scope caveat that prevents misuse). It doesn't explain why readOnlyHint is false for what sounds like a lookup, a residual gap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.